77051 Climate & Property Risk Report
Free address-level climate risk context for 77051 in Houston, Texas. Flood, wildfire, hurricane, earthquake, and heat — with insurance estimates and buyer guidance.
Houston, Texas 77051, United States
Data retrieved: Jun 18, 2026 at 10:49 UTC
Overall Risk
Top 15% nationally
County-level composite
Est. Annual Insurance
$1,602 – $3,203
Directional range
Premium Strain
2.93% of median income
elevated
Flood Insurance
Not required
Parcel falls outside SFHA
Insurance Market Context
These scores are county-level composites derived from FEMA National Risk Index. Individual parcels may differ significantly. This is not a property appraisal.
Market Pressure
HIGH
Texas's admitted-carrier market is contracting. A broker with state-specific experience is strongly recommended.
Admitted Market Share
67%
Carriers exiting at 6.2% YoY in Texas.
Residual Market
$2,400–$5,400
annual · last-resort
FAIR Plan / Citizens exposure up 81% since 2020.
Premium Strain Index
Insurance is roughly 2.9% of median household income — above the 2% sustainability threshold.
Premium-to-income ratio. Based on state Department of Insurance filings, average annual premiums in this area range from $1,602 to $3,203. Not an insurance quote. The First Street 12th National Risk Assessment characterizes any ZIP above 5% as financially unsustainable.
Harris County Hazard Breakdown
Scores below are from the federal National Risk Index at the county level, refined with parcel-level signals where available (FEMA NFHL for flood, USDA WHP for wildfire, USGS PGA for earthquake, NWS for heat).
Around the national median (48th percentile)
Hurricane
ModerateBottom 20% nationally (90th percentile)
Earthquake
MinimalAround the national median (51th percentile)
Extreme Heat
ModerateBelow the national median (62th percentile)
Flood
LowAround the national median (54th percentile)
Wildfire
ModerateWhat each hazard means for you
Expand any card to see the federal source citation and the buyer-specific action items our research team recommends for this hazard profile.
Hurricane Risk
Federal hurricane data unavailable; score is a seed estimate.
NOAA · National Risk Index (HRCN)
Earthquake Risk
USGS PGA: 0.032g at this location. NRI county data unavailable.
USGS · Design Maps (ASCE 7-16) + NRI
Extreme Heat
NRI heat risk: Above the national median (top 36%). NWS 7-day forecast: max 94°F, 0 day(s) ≥95°F.
NOAA · NWS Gridded Forecast + NRI
Flood Risk
Federal flood data unavailable for this location; score is a seed estimate.
FEMA · National Risk Index
Wildfire Risk
Federal wildfire data unavailable; score is a seed estimate.
USDA · National Risk Index
Lower-risk alternatives nearby
Communities within 25 miles of Texas 77051 with a measurably lower composite climate risk. Useful as a comp set when evaluating whether to negotiate on this address or pivot to a nearby one.
Lubbock, TX
Around the national median
8 miles away
El Paso, TX
Around the national median
15 miles away
FEMA Flood Zone
Is this specific parcel in a Special Flood Hazard Area?
The free address snapshot queries FEMA NFHL point-in-polygon and returns your exact FEMA Flood Zone (A, AE, X, etc.) in seconds.
Run a free address lookupCarrier Outlook
Texas's admitted-carrier market is contracting. A broker with state-specific experience is strongly recommended.
Connect with a broker who writes in TXData Sources
Data Sources & Methodology
FEMA— National Risk Index
Retrieved June 18, 2026
NOAA— National Risk Index (HRCN)
Retrieved June 18, 2026
USDA— National Risk Index
Retrieved June 18, 2026
USGS— Design Maps (ASCE 7-16) + NRI
Retrieved June 18, 2026
NOAA— NWS Gridded Forecast + NRI
Retrieved June 18, 2026
What buyers should know
Buying in 77051: a risk primer
Before you write an offer on a home in Houston, understand how climate and insurance costs affect long-term ownership in 77051.
77051 in Houston, Texas, scores top 15% nationally on our composite climate-risk index. That ranking reflects the combined influence of hurricane wind exposure (52), extreme heat exposure (49), and wildfire exposure (46) in this ZIP code. Before writing an offer, buyers should understand which hazard drives the score and how it shows up in insurance premiums and long-term maintenance costs.
The data below is assembled from five federal sources — FEMA (flood and National Risk Index), NOAA (storm history and heat), USGS (seismic design), and USDA (wildfire hazard potential) — and is refreshed quarterly. Use it as a starting point for due diligence, not a substitute for a licensed inspector, structural engineer, or insurance agent.
Hurricane risk in 77051
The hurricane wind exposure score for 77051 is 52 (moderate), which is around or slightly above the national median. 77051 has measurable hurricane or tropical-storm wind exposure. While not in the highest coastal tier, falling trees and power outages are realistic scenarios. Check whether the HOA or municipality has debris-removal obligations after a storm.
For a specific address inside 77051, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Heat risk in 77051
The extreme heat exposure score for 77051 is 49 (moderate), which is around or slightly above the national median. 77051 sees moderate extreme-heat exposure. Cooling degree days are elevated enough that annual utility costs will be meaningfully higher than in cooler parts of Texas.
For a specific address inside 77051, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Wildfire risk in 77051
The wildfire exposure score for 77051 is 46 (moderate), which is around or slightly above the national median. Wildfire risk in 77051 is moderate and usually tied to vegetated edges or WUI proximity rather than dense forest. Still, carriers in Texas are increasingly using parcel-level wildfire scores to price or decline coverage, so a pre-close quote is wise.
For a specific address inside 77051, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Insurance is where climate risk becomes a monthly payment. In 77051, our directional estimate for a standard homeowners policy plus required hazard coverage is $1,602 – $3,203 per year. That estimate assumes a mid-range home and does not include optional coverages such as earthquake, flood (where not required), or higher wind deductibles.
Relative to local incomes, that premium range equals approximately 2.93% of the Harris County median household income — a elevated premium-to-income burden. As a rule of thumb, premiums above 3–4% of household income begin to compress affordability and can reduce the pool of future buyers when you eventually sell.
Buyer action items
- Get carrier quotes early. Ask at least two admitted-market carriers and one surplus-line broker for a homeowners quote that explicitly includes hurricane wind exposure, extreme heat exposure, and wildfire exposure. Do this before the inspection contingency expires.
- Add a climate contingency to the purchase agreement. Our free Texas-specific contract templates let you make the deal contingent on acceptable insurance premiums, flood-zone status, or seller-provided mitigation documentation.
- Order hazard-specific inspections if the top risks warrant it. In 77051, that may mean a flood-zone determination, a wildfire/defensible-space assessment, a structural/seismic review, or a wind-mitigation inspection depending on which hazards score highest.
Frequently asked questions
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Full Report
Tier L2
12-page address-level deep dive delivered in minutes.
- Five-hazard score breakdown (flood, wildfire, hurricane, earthquake, heat)
- 30-year federal climate projections (FEMA, NOAA, USGS, EPA)
- Insurance premium estimate (range) based on state DOI filings
- Clear buy / negotiate / walk-away verdict, not a single ambiguous score
- 3 comparable lower-risk neighborhoods within 25 miles
- Saves you 6+ hours of digging through FEMA, NFIP, NRI and NOAA on your own
- Explains what SFHA, BFE, EAL and residual-market mean in plain English
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Best for: pre-offer sanity check
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Federal data: FEMA, USGS, NOAA, USDA, EPA
Pre-Purchase Audit
Tier L3
Adds parcel-level flood evaluation, state insurance-market context, claim history, and a negotiation brief on top of the $19 report.
- Everything in the $19 Full Report
- Parcel-level FEMA flood zone + BFE considerations (point-in-polygon)
- State insurance market pressure + admitted-carrier density
- Premium Strain Index (% of county median income, vs. 5% unaffordable line)
- 10-year NOAA Storm Events claim history for the ZIP
- Negotiation leverage brief with 3-5 specific, evidence-backed asks
- Optional free connection to a licensed independent broker in your state
- Saves you from discovering an uninsurable address after you've gone under contract
- Removes guesswork on what to ask for in repairs, credits, or price reduction
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Best for: under-contract buyers
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Free contract templates for Texas buyers
Download free climate-risk contingency addendums written for Texas purchase agreements. Add hurricane, extreme-heat, or wildfire contingencies to your offer.
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